Emissions Överväganden för Term Life Insurance


Att de flesta amerikaner ska köpa en enkel och billig form av livförsäkring är väl etablerad, men exakt hur att hitta rätt politiken mindre väl förstått.

Det är en sak att få en låg offert för livförsäkring, however qualifying for that potential life insurance policy is the real key to getting that price. Those low numbers are usually shown as being the best class available, Men många amerikaner inte kan kvalitet för bästa hälsa klassen.

Vad exakt är en livförsäkring hälsa klass and what does it have to do with term life insurance?

Your life insurance health class is a classification system that assists life insurers in rating proposed life insurance policies. It takes into account many common health considerations. There are four main life insurance health classes: Preferred Plus (det bästa och lägsta kostnadsberäkning), Föredragen, standard Plus, and Standard. Beyond these four classes are the so called Table Ratings. Each of the four health classes listed above are further broken down into Tobacco or Non Tobacco use.





Term Life Insurance





There are lots of criteria that go into the underwriting of your health class. The first, som ofta är den mest uppenbara, is your weight. Your weight matters more than most people would think it does because overweight people experience increased risk of all sorts of illnesses such as diabetes. If an insurance agent knows nothing else about your health situation, your height and weight may be the biggest single indicator. Each insurance company will maintain their own height weight chart and limits that they will accept for each health class. A difference of just a few pounds, kan innebära en hundra dollar per år i årliga kostnader premium.

Your general health history also matters greatly. Have you had any major conditions, såsom hjärtinfarkt, eller Strokes? Do you have any ongoing current issues such as Asthma or Cancer? The more major the condition the more important, but really all health conditions matter. Insurance carriers generally prefer to see a condition is being treated and that the applicant is following the prescribed plan. In other words are refilling the prescription on time each and every month?





Tro det eller ej, your direct family’s health history matters as well. Have your mom or dad had conditions such cardiovascular issues or various cancers?

There are several tests that most life insurance companies will run when completing a paramedical exam. A paramedical exam is an exam done either at the client’s place of business or home at a time of their choosing. Typically paramed exams are done for free. One thing that will take place at your exam is that they will take your blood pressure. A blood pressure reading that is either too high or too low could indicate possible issues and life insurance companies may rate you based on these results.





Cholesterol is another important health consideration. Many seemingly perfectly healthy people unknowingly have high cholesterol. Ask your doctor about your cholesterol levels to ensure that get the best rate possible. Generally your cholesterol will be taking during your medical exam. There are numerous other medical tests that will be performed, inklusive tester du blod och urin eller för receptbelagda och receptfria läkemedel.

There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, Sky Diving, och bergsklättring, beroende på när du senast gick, hur ofta du går, may mean that you need to pay more for life insurance. When in doubt ask your life insurance agent about the types of activities that you do and if they are a concern for your proposed life insurer. Insurance companies occasionally have differences of opinion about this, så det kan löna sig att ställa frågor innan du väljer ett försäkringsbolag.





Körning är också en självklar fråga för alla livförsäkringsbolag, as people that have more tickets tend to get into more accidents and hence need to pay more for term life insurance. When was your last ticket? How many tickets do you have? Din bil rapport gör det möjligt för försäkringsbolaget en inblick i ditt förflutna körupplevelse. Be din försäkringsagent om din tidigare drivande post kan spara stora tid.

En sista viktig faktor vid fastställandet din livförsäkring hälsa klass, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, men kommersiella piloter kan också vara ett bekymmer för livbolag. Kontrollera med din agent.





Alla dessa olika faktorer hjälpa till att bestämma din acceptans, livförsäkring hälsa klass, and hence what you will pay for life insurance. It is in your best interest, som konsument, att veta vilka kriterier writing är, so that you may prepare yourself with all of the information needed and to make your best case. Clients that are educated about life insurance tend to secure a lower yearly premium and save money.

Scott W Johnson är ägare WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, Universell, och Term Life Insurance. Mottot för hela Vs Term är ”Life Insurance är Complex, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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